0:05

It's

0:05

my pleasure to welcome you here to the Clark

0:07

Howard show, our mission is to serve you

0:09

and empower you to make better

0:11

financial decisions in your life. Today

0:14

I want to talk about something my brother and

0:16

his wife have actually been doing

0:19

for years. They

0:22

have no home. They

0:25

just travel around the country

0:28

and rent a place. Right

0:31

now as I speak, they're

0:33

renting a place in beautiful Park

0:36

City, Utah during

0:38

the off season and

0:42

their lifestyle may not be something you

0:44

want to think about if

0:46

you're working remotely or retired. But I want to

0:48

tell you the advantages potentially

0:51

of doing opposite land, owning

0:55

no home and being

0:58

free to live wherever. I want

1:00

to talk to you about the pluses and minuses. And

1:04

later, oh this

1:06

is so a flashback

1:08

to a different era. How would you

1:10

like a free television? I'm

1:13

going to tell you what the catch is and

1:16

it's not a scam. So

1:18

my brother Gary and his wife

1:21

don't hold this against them. They're

1:23

both retired lawyers. Six

1:26

or seven years ago now, they

1:28

decided to sell their

1:31

home and become

1:33

nomads. And

1:35

a lot of people might have an RV or

1:37

something like that. Now

1:39

what they do is they

1:42

just travel. Their closest

1:45

place to a home is

1:47

in Northeast Florida and

1:50

they spend roughly half a year in

1:53

Northeast Florida. But again, they don't

1:55

own a home there

1:57

every year for all these years. They

2:00

rent a place, not

2:02

through Airbnb, typically. No,

2:05

they've never done Airbnb. They find

2:07

local real estate agents who

2:10

in beach communities, a lot of people

2:13

own places they rent out, and

2:15

they find a place they can rent for whatever

2:17

length of term. They just gave

2:20

up a place that they had a seven-month

2:22

lease on, that's what the landlord would give them. And

2:25

they stayed there for seven months, and then went

2:28

to Utah where my sister-in-law

2:30

is from. They're now living there.

2:33

I talked to my brother just yesterday,

2:36

and I said, "'Sigari,

2:38

how long are you gonna be in Utah?" And

2:42

he said, "'Well, we rented this place for five

2:44

weeks. Where are you gonna go next?"

2:46

Well, we're gonna go to Washington

2:49

State, because that's where

2:51

my great-niece is, Nova,

2:54

who apparently is the brightest child ever

2:57

to walk the face of the earth, is a newborn.

3:00

That's at least, that's what I hear from my

3:02

brother and sister-in-law. I'm sure Nova is

3:04

a genius. Anyway, they'll

3:06

be in Washington State for

3:08

a while. They'll rent a place they rent, like

3:11

last summer they rented a place

3:13

two months, one month at a time in

3:17

Washington State. And then next

3:19

they're going to California, and then

3:21

they'll go to Arizona, and then eventually

3:24

they'll

3:25

end up back in Florida.

3:29

And the savings to them

3:32

is tremendous, because if you have,

3:35

if you have to have the mentality for

3:37

a lifestyle like this, but if you

3:40

do, and when

3:42

I pitched this idea to my wife, she said,

3:45

"'Never gonna happen.'"

3:48

Because I told Lane, when we got married 28

3:51

years ago, she said, you

3:53

know, I'd be happy just living

3:56

in different courtyards by Marriott the rest

3:58

of my life. And

4:01

she was like, what? I

4:04

said, yeah, I mean, I'm

4:06

happy with just my carry-on suitcase

4:09

and just

4:10

wherever I am that night. You know, back

4:12

then in a courtyard by Marriott,

4:14

every one of them was identical. You had the same

4:17

print on the wall, and

4:19

the layout was identical. You wouldn't need

4:21

a nightlight to find the bathroom at 3 a.m. because

4:24

it was always the same.

4:26

And I was like, this would be perfect. And

4:30

let's say that was not her thing.

4:33

But this is an opportunity,

4:36

if you're a nomad, to

4:39

not have that permanent

4:41

residence that you're having to pay for when

4:44

you're not there and

4:46

you're only paying for where you are. Your

4:48

living costs can

4:50

be equal to or less than

4:54

what it would be otherwise. And

4:57

my brother and sister-in-law only

4:59

fly one airline. Krista,

5:02

do you have any idea what airline they fly? Southwest

5:05

would be my guess. And why did they fly Southwest?

5:08

Because they probably have the companion pass. Exactly.

5:11

Your brother worked for Southwest briefly, didn't he, after

5:13

you retired? Yeah, my brother was a, I

5:15

think they call it a CSA at Southwest.

5:17

I think that's the union he was in. And

5:20

he was the person you went to at

5:22

the podium when your flight was canceled, and

5:24

he was the one who had to figure out

5:26

how to reroute you or if you had a stroller

5:29

to check and all that. He worked the

5:31

ticket counter, the podium at

5:33

the gate. But that's not why

5:36

they fly Southwest. Now they fly it

5:38

because of the companion pass,

5:40

because now he's his wife's companion.

5:43

And so he flies free

5:46

all year long. So they've done

5:48

everything they could to reduce costs. And

5:51

the lowest rated car rental company,

5:53

I think it's from

5:55

Consumer of American Customer Satisfaction

5:57

Index is six. which

6:01

is a family owned car rental company from Europe.

6:04

But they do six rentals because

6:06

you can rent those in month long blocks

6:09

and you pay a fee to set up

6:12

a rental that is one month

6:14

or more and it's been a great

6:16

way for them to save money. They have

6:18

no vehicle. They also sold

6:20

their vehicle. So they live completely

6:23

on rentals that they get from

6:25

Toro

6:26

or they get from Six or

6:28

whatever they do, they don't

6:31

have a car that they

6:33

own. They're great. Although I'm with Lane

6:36

on your, which hotel was it you

6:38

were gonna live in? The Comfort Yard by Marriott. Yeah,

6:40

no. Court yard's not, they don't run court

6:43

yard like Marriott used to where it was all

6:45

sticks up and they were all identical. That

6:48

sounds awful too. Now it's just whatever building they

6:50

can get to put their name on. Yeah.

6:53

You wouldn't think that would be great. Awful.

6:56

You never have to make your own bed. I

6:58

like to have my own space, personalize

7:01

it. And Lane also is really great

7:03

at decorating. She's such an artist that

7:05

I totally get that.

7:06

What's wrong with the print that they

7:08

always had on the wall at the court yard? Wow.

7:11

Okay. I figure somebody from

7:13

the Marriott family painted

7:16

that picture and so the

7:19

Marriott's put that in every court yard

7:22

in the country. They don't do that anymore. All

7:24

right, we'll go to questions. This is from Nick in Pennsylvania.

7:27

I live in a remote area with no cable. When

7:30

I heard a year ago that Verizon

7:32

offered high speed internet through their 5G system,

7:35

I signed on. Since the day I signed up, my

7:37

internet cuts out every Saturday and Sunday

7:39

for about five hours. Each

7:41

day? Yeah, I've repeatedly gone through

7:43

the excruciating process of trying to get a

7:45

human to do something. So far I've

7:47

been promised an extender to boost signal that

7:50

never showed up and a promise to adjust

7:52

my bill for the time I have no access. Of

7:54

course that has not happened. Each time I

7:57

talk to a rep, they promise to call back as soon

7:59

as they have... time to figure out what happened. Nobody

8:02

calls back. As I write this, I am

8:04

on the phone with yet another rep for 45

8:06

minutes so far. Who is like the

8:08

others baffled that I've had such a

8:10

horrible experience? So Nick,

8:13

I have briefly alluded to this. Verizon

8:15

is in total management turnover

8:17

and crisis. Verizon,

8:20

they're not in trouble. They're still very profitable,

8:22

but they've been steadily losing

8:24

market share.

8:26

They've had constant turnover of

8:28

executives. The operation

8:30

is the gang that can't shoot straight right now.

8:33

And big companies, when

8:35

you have high velocity turnover,

8:37

you kind of lose your focus on customers.

8:40

And Verizon has done so. So

8:42

it's hard for me, like let's

8:44

take what happened recently. Verizon had

8:46

been raising and raising and raising rates for

8:49

their cell phone plans.

8:51

And people kept leaving Verizon.

8:53

They were like, wait a minute, what's going on?

8:56

So then they just cut their plans from

8:58

six to two with the latest

9:00

management team that came in. So

9:03

if you're Verizon Wireless, there's now

9:05

two plans to choose from instead of six. You

9:07

may be on one that's much more expensive

9:10

than the plans they offer. Now, if you're Verizon

9:12

loyal, go re-shop your plans.

9:16

Things just are not together

9:18

at Verizon right now. So

9:22

I hope you have another choice

9:25

for home internet. I don't know if you've checked

9:27

to see if you're in an area being served

9:29

by T-Mobile

9:31

that has T-Mobile home internet.

9:34

And you could run them parallel for a while.

9:36

T-Mobile gives you a trial period

9:39

where you don't have to pay to try

9:41

their home internet. Don't know if it'll

9:43

be any more reliable

9:45

than the Verizon has been.

9:47

And for people in areas

9:50

where it's hard to get a

9:52

fast internet service, people have been

9:54

getting Starlink.

9:56

I have a niece who uses Starlink

9:59

in Northern. California in an extreme

10:01

rural area and the

10:03

star link from Elon Musk

10:05

from SpaceX

10:06

has been flawless and fantastic

10:09

and extremely easy to set up but

10:11

much more money

10:13

than Verizon's fixed wireless

10:15

home internet or T-Mobile's

10:18

version which both typically

10:20

are around $50 a month can

10:23

be less

10:24

but how you get Verizon to

10:26

pay attention to you?

10:28

I don't know right now. Sean

10:31

in Mississippi says hi Clark our family spends thousands

10:34

of dollars every year for HSA eligible

10:36

expenses. I charge these expenses

10:38

to my credit card to earn 2% cash

10:40

back. Some cards give 5% cash

10:42

back for certain purchase categories. Are

10:44

there any credit cards offering more than 2% of

10:47

medical expenses like doctor visits, hospital

10:49

bills, dental vision, prescription,

10:52

etc. or are there any credit

10:54

cards that would give back more generous rewards

10:56

than 2% cash back in the form

10:58

of travel. Thanks for the great advice

11:00

over the years

11:01

we have saved no less than a thousand dollars

11:03

per year by following your advice. Well

11:05

Sean thank you for that and I'm really sorry

11:08

there's enough medical expenses in your life

11:10

that you're looking to earn more than 2%.

11:13

I'm not aware of any card

11:15

that with the rotating categories gives

11:18

you that opportunity although trying

11:21

to remember which card it is that

11:24

allows whatever your highest

11:26

charge volume category is to

11:28

be where you are in the highest rebate

11:31

and there are cards that have

11:33

the ability for you to name from

11:35

a list

11:37

the highest category

11:39

of rebates

11:40

but usually they decide

11:43

at the card issuers

11:45

what your categories are that you'll earn 1%, 2%, 3%, 5%

11:50

whatever and I just haven't

11:52

seen anything that

11:54

does that in the credit card

11:56

space.

11:59

recent podcast on life insurance, I

12:02

decided it was time to stop procrastinating

12:04

and find a good level term policy. I'm 26

12:07

and married with no kids yet, so this

12:09

policy would serve to protect my wife. However,

12:12

after shopping around, I found that most policies

12:14

have an aviation exclusion clause that

12:17

excludes aviation related deaths from the

12:19

policy. This poses an issue as

12:21

I'm nearing the end of earning my private pilot

12:24

certificate and plan to fly recreationally

12:26

after I finish my training. While I plan

12:29

to be a safe and proficient

12:29

pilot to lessen the risk,

12:32

accidents can and do happen to anyone.

12:34

What do I and other pilots need to look for in a

12:37

policy that would ensure coverage in the event

12:39

of a fatal accident?

12:41

So gosh, this hits

12:43

close to home, doesn't it? Why are you

12:45

so terrified about my son all the time?

12:48

Well, no, I just, you know, you are terrifying

12:50

small planes. I'm so impressed

12:52

by him. I cannot believe that

12:54

he is able to fly planes as this, I mean,

12:56

he did when he was 16, but a 17 year

12:58

old, like, he's so impressive. When we've been

13:00

to visit, my son, if you're not

13:02

aware, is going to

13:05

become a professional pilot. He wants to fly for

13:07

the airlines or cargo or whatever after

13:10

he's trained. And he's

13:12

about to get his PPL, just

13:14

like we're talking about here with Ryan, private

13:17

pilot's license. And so

13:19

the PPL is like

13:22

a big red flag

13:24

for insurers because as

13:26

people learn to be a pilot or as private pilots,

13:29

there's an enhanced danger.

13:31

That's what terrifies you. But

13:33

I will tell you,

13:34

Grant's not at all unusual. When

13:37

we meet people on tours of

13:39

colleges that have flight schools,

13:42

virtually every person has been

13:44

flying like Grant. One girl we

13:46

met started flying at 11, he started

13:48

at 13. So it's not unusual

13:51

with the flying thing. It is

13:53

a danger for any

13:55

of us who fly private,

13:58

you know, who decide to be a pilot. So

14:01

there are insurers that will

14:04

be able to quote that to you. Policy Genius,

14:06

which is a company I've talked about before,

14:09

specifically one of the criteria

14:12

they'll help you shop for level

14:14

term insurance is for

14:17

private pilot.

14:18

And the Association

14:20

of Pilots, it's called, I

14:22

think it's AOPA is

14:25

the name of the association. They

14:28

also, yes AOPA,

14:31

okay, Aircraft Owner and

14:33

Pilots Association. I never knew that's what it

14:36

stood for. AOPA

14:38

has a thing where you can buy level

14:41

term insurance through them, although

14:44

I think they specialize in term

14:46

insurance, which means the premium goes up

14:48

every year. But

14:49

yes,

14:50

you are insurable, it's

14:53

just more difficult to buy it and may cost

14:55

you a little more. So

14:57

coming up ahead, TVs

15:01

have gotten so crazy

15:03

cheap. I mean, I think about

15:05

when we get to November,

15:08

how ridiculously inexpensive TVs

15:11

are. But how about if you could get a TV

15:13

for free? What's the

15:16

catch? We're going to talk about that.

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16:02

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16:04

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16:09

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16:24

I love it when we talk about

16:26

what used to be Black Friday and it's now Black

16:29

Friday month and all

16:32

the retailers are so aggressive

16:35

with pricing on electronics and

16:37

it's looking like this is going to be an even

16:40

bigger bargain fall than

16:42

we've had in prior years because

16:45

retailing is going, discretionary retailing

16:47

is going through a big slowdown. So you're

16:50

going to see deals on all kinds of

16:52

Christmas oriented merchandise

16:55

the whole month of November.

16:57

And one thing that's always so

16:59

heavily promotional, televisions.

17:02

But what if instead of having

17:04

to get that great deal on a TV,

17:07

you paid nothing for a TV? Well

17:10

that's the idea of free telly,

17:12

F-R-E-E-T-E-L-L-Y. And

17:15

this is such a blast of the past.

17:19

In the 1990s, it was

17:22

actually life back that

17:24

far, we had

17:26

something called dial up internet

17:29

and you'd have to hook up

17:31

over a, like

17:33

a manual modem and

17:35

there would be this sound. There was this weird

17:38

off key

17:39

electronic sound

17:41

as the computer you

17:43

were on registered to the

17:46

system that you were connecting to the internet

17:48

through. And you ended up paying $20,

17:50

$25 a month for it. Well

17:54

for a good while, I was

17:57

on a free internet service

17:59

and the dial up. up era in return

18:01

for allowing the company that

18:04

supplied that to have a band along

18:06

the bottom of my screen

18:08

where they could present ads continually.

18:12

And it was a trade-off I was willing to make till

18:14

they went bust,

18:16

then I had to pay for internet again, but

18:18

I was getting the ads for the

18:21

internet for free, saving

18:23

me a couple hundred dollars a year.

18:26

Yes I am like that. Well

18:28

now this company

18:31

Free Tele that's

18:32

going to ration availability

18:35

of this

18:35

so they don't get ahead of themselves is

18:38

offering the same idea with a free

18:40

55-inch television

18:43

that then has their software on

18:45

it and shows you ads

18:49

as a continuous stream of ads

18:52

across the bottom like 15%, 20% of the

18:54

screen. And

18:57

of course I've signed up for

19:00

the free TV and my wife

19:02

will say no more TVs

19:05

but how can I pass up a

19:08

free TV with the invasion of privacy

19:10

that comes with it based on what you

19:12

watch. They'll serve you ads that

19:14

the profile says you

19:16

would like but you get the TV

19:18

for free. So

19:21

is it going to work? Don't

19:24

know. Are you ever going to get

19:26

the free TV if you sign up for it? Don't

19:29

know that either.

19:31

But I love that something that

19:33

is old is new again.

19:35

I remember Krista and I

19:38

for years were both on the

19:41

was it freeway phone call? Freeway yeah for

19:43

long distance phone call. Where you listen I

19:46

know this is an odd concept

19:48

to anybody under probably

19:50

about 35 years old but

19:52

long distance used to be shockingly

19:55

expensive.

19:56

So freeway was something where you'd

19:58

listen to an ad. ad for 15

20:01

seconds and then another 15 second

20:03

ad would play like that and on like that. So one minute

20:06

of ads would buy you eight free minutes

20:08

of long distance calling as much as

20:10

you wanted to listen to ads. That sounded to me

20:12

and it's your call could be free.

20:14

There were no cell phones. This is like I'd be

20:16

on a payphone at the airport and listening

20:19

to ads so then I could like call my parents.

20:22

I mean it's true. The worst

20:24

was I had to listen to a whole bunch of ads and

20:27

then place the call and the

20:29

call would ring busy. Yes. And

20:31

you'd lose the value of that time.

20:34

But my time is worth nothing. So

20:37

getting the free minutes of long distance

20:39

was totally worth it. And

20:41

so I'm always intrigued by these

20:43

things that in different

20:46

industries at different times

20:48

where things are expensive for

20:50

us. It's why I've been so excited

20:52

about all the new video

20:54

streaming services

20:56

that have gone to ad supported models and

20:58

they're free. Nobody ever asked for a credit card

21:00

or anything. You have free content.

21:03

Fastest growing streaming

21:05

service in the United States. Pluto.

21:08

Do you ever watch Pluto?

21:10

I know I have never heard of it. I've heard

21:12

of it. I've definitely heard of it. So Pluto

21:15

is

21:16

it's great because it's a binge watching channel.

21:19

So if you want 24 hours

21:21

a day of whatever show if

21:23

they have it

21:25

it's got a channel and you just continually

21:28

watch and you get it for free with

21:30

ads. It's all back catalog kind of stuff.

21:33

So if it's free it's

21:35

for me. And we'll see what

21:38

happens with free

21:40

telly. All right. So

21:42

Mark in Illinois has a question. He says Clark

21:44

said that November 1st through February

21:46

28th is a perfect window for off peak fares

21:49

to Europe

21:50

and after Thanksgiving but before December

21:52

16th is the cheapest time to book a cruise. Can

21:55

you clarify if that means book during these

21:57

off peak windows but go when you want

21:59

to.

21:59

want or travel during these off-peak

22:02

windows and book three months in advance.

22:04

I regret to inform you, those are the

22:06

actual time periods you have to travel.

22:09

So with the cruises,

22:12

that is a

22:13

really, really, really bargain

22:15

time.

22:16

Weather's already getting cold in a lot of

22:18

places in the country,

22:20

but the cruise lines have to beg

22:23

people to go on cruises after

22:26

the Thanksgiving period has ended, but

22:28

before the Christmas time really

22:30

gets going. And then with

22:32

airlines, particularly for international

22:35

travel, November

22:37

1st to February 28. Next

22:41

year, is there 29? I

22:43

think next year there's February 29. Anyway, for

22:47

that time period, those four months,

22:50

the prices of

22:52

airline tickets are at their

22:54

cheapest each year for international travel,

22:57

except of course, during the Christmas

23:00

period, Christmas, new years. But

23:03

oddly, Thanksgiving

23:05

travel internationally often

23:08

is extremely cheap,

23:11

where domestic travel by

23:13

air is its most expensive week

23:16

of the year. Is Thanksgiving

23:18

week? For international travel,

23:21

it's usually a very cheap time period

23:23

because there's no business travel going on

23:26

either direction during our Thanksgiving.

23:29

And it creates a lot of open seats.

23:32

Beth and George, just as I received a vanilla Visa

23:34

gift card as a Mother's Day gift for $100. The

23:40

card was purchased in Target by my daughter.

23:42

I went to use the card a few days later and it was

23:44

declined. When I called the customer

23:46

service number on the card, I was told the balance was

23:49

zero and that it had been used at a CVS

23:51

in California for a $100

23:53

purchase. Well, I live in Georgia. The

23:55

customer service representative asked my name,

23:58

address, birthday and phone number. email.

24:00

Then she emailed me a form to sign and requested

24:03

a copy of my driver's license. I

24:05

did not respond. This is a red flag

24:07

to me. After doing some online research,

24:10

there are numerous reviews of people who have had the

24:12

same or very similar experience. What

24:15

can be done to stop this? Please help.

24:17

So Beth, first of all, fill out the form,

24:20

provide a copy of your driver's license.

24:23

There's a plague of this.

24:25

Criminals have broken the code

24:28

on being able to steal money from

24:31

gift cards, particularly those that

24:33

are bought on those display

24:35

racks in retail stores,

24:38

not behind a counter.

24:41

And so you go in, so this one

24:43

was purchased in Target, and the

24:45

money was spent at a CVS all the

24:47

way across the country.

24:49

Target didn't do anything wrong. CVS

24:52

didn't do anything wrong. The criminals

24:55

are the wrong parties. The problem

24:57

is the protection

25:00

on gift cards

25:01

doesn't work,

25:03

and criminals

25:04

have, believe it or not, there are computer

25:06

programs. I don't want to explain the

25:09

whole crime because I don't want to create new criminals.

25:12

But let's just suffice it to say

25:14

when there are cards on a display rack in

25:16

a retailer,

25:18

those cards are being targeted

25:20

by crooks, particularly

25:22

something like a $100, you know,

25:25

Visa gift card, they're targeting

25:27

that because it can be used anywhere pretty

25:30

much in the world. So

25:33

they have the card number

25:35

and the secret code for it, the PIN codes for

25:37

it. They then load that

25:40

into a computer program that

25:42

continually checks 24 hours a

25:44

day when that card is activated.

25:47

The second it's activated, the criminal's like, great,

25:51

I'm gonna steal that money. Do not

25:54

ever, ever buy

25:56

anybody a gift card

25:59

at an unprotected protected display rack

26:01

in any retailer. Not

26:04

the fault of the marketing companies that put

26:06

those racks out there. It is the problem

26:09

of the gift card industry that

26:11

their security stinks

26:14

and you're the one left with no money.

26:17

Shirley in California says, I'm flying on

26:19

Hawaiian Airlines in August with so

26:21

many lost luggage stories in the news. Should

26:24

I buy an Apple AirTag to put in my checked

26:26

luggage just in case? I haven't bought

26:28

the AirTag yet and await your advice.

26:30

Thanks. Yeah. The

26:32

AirTag, the Tile, that's their big competitor.

26:35

And there are other companies as well. These things have

26:37

become extremely valuable

26:40

for tracking lost luggage that the

26:42

airlines have no idea where it is.

26:44

One of the things there have been criminal rings

26:46

that have been busted where there's unprotected

26:49

baggage claim, a criminal

26:51

will steal bags and

26:54

then they've got your baggage. So

26:56

it wasn't even misdirected by the airline.

26:58

It made it to where it was supposed to go. And then

27:00

somebody runs off with the bags and

27:03

the AirTags have helped police

27:05

all around the country and overseas

27:08

bust criminal rings that

27:10

are stealing luggage from baggage

27:12

carousels.

27:13

And then not even to mention all the

27:15

problems with airlines sending

27:18

bags the wrong way. And they charge

27:20

you to check the stupid bag.

27:22

Why do I call it stupid? The only smart

27:24

bag out there is a carry-on

27:26

bag that is always in your

27:28

possession. Anyway, if

27:30

you do need to check a bag,

27:34

if for some reason you've got to check a bag,

27:36

the AirTag or the Tile or

27:39

type devices, great idea

27:41

to do. We've also, I've noticed on ClarkDeals.com,

27:44

like we've had several deals lately, like four packs

27:46

of AirTags and Tiles. They get, they're

27:48

really going on sale now too. So they're

27:50

getting less expensive. Yeah. They're

27:52

extremely popular. So the underlying

27:54

technology and how they relay

27:57

location of the

27:59

AirTag. bag or the tile. I mean,

28:02

there are some really smart people

28:04

out there. But remember, the

28:06

best way to avoid having

28:09

your bag stolen is never

28:11

check a bag. If it can't

28:13

fit in my carry on, it doesn't

28:16

take the trip. So I

28:18

want to thank you so much for joining us

28:20

for this episode. I hope that you're

28:22

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28:25

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